Lexus GS 350 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 6, 2024
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Estimated insurance prices for a Lexus GS 350 are $1,262 every 12 months including full coverage. Comprehensive costs approximately $270 a year, collision insurance costs $466, and liability is estimated at $390. A policy with only liability insurance costs approximately $438 a year, and a high-risk policy costs around $2,728. Teen drivers pay the most at up to $4,708 a year.
Average premium for full coverage: $1,262
Premium estimates by type of coverage:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and GS 350 trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Lexus GS 350 range from the cheapest price of $438 for just liability insurance to a high of $2,728 for a policy for a high-risk driver.
Insurance Price Range by Location
Living in a larger city can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences highlight why it is important to get quotes using their specific location and their own driving history, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average Lexus GS 350 insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $725
- Choosing higher $1,000 deductibles can save $1,092 every year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,262
- Choosing low $100 deductibles for comp and collision coverage increases the price to $1,582
- Unlucky drivers with multiple violations and an at-fault accident could pay around $2,728
- An auto insurance policy to insure a teen driver can cost $4,708 each year
Car insurance prices for a Lexus GS 350 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your GS 350.
Choosing high deductibles can save as much as $490 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 45% to 133% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Lexus GS 350 insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,800 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,140 | -$122 | -9.7% |
| Alaska | $966 | -$296 | -23.5% |
| Arizona | $1,046 | -$216 | -17.1% |
| Arkansas | $1,262 | -$0 | 0.0% |
| California | $1,436 | $174 | 13.8% |
| Colorado | $1,204 | -$58 | -4.6% |
| Connecticut | $1,294 | $32 | 2.5% |
| Delaware | $1,424 | $162 | 12.8% |
| Florida | $1,574 | $312 | 24.7% |
| Georgia | $1,166 | -$96 | -7.6% |
| Hawaii | $906 | -$356 | -28.2% |
| Idaho | $852 | -$410 | -32.5% |
| Illinois | $938 | -$324 | -25.7% |
| Indiana | $948 | -$314 | -24.9% |
| Iowa | $850 | -$412 | -32.6% |
| Kansas | $1,198 | -$64 | -5.1% |
| Kentucky | $1,720 | $458 | 36.3% |
| Louisiana | $1,864 | $602 | 47.7% |
| Maine | $778 | -$484 | -38.4% |
| Maryland | $1,040 | -$222 | -17.6% |
| Massachusetts | $1,006 | -$256 | -20.3% |
| Michigan | $2,188 | $926 | 73.4% |
| Minnesota | $1,058 | -$204 | -16.2% |
| Mississippi | $1,508 | $246 | 19.5% |
| Missouri | $1,118 | -$144 | -11.4% |
| Montana | $1,354 | $92 | 7.3% |
| Nebraska | $992 | -$270 | -21.4% |
| Nevada | $1,510 | $248 | 19.7% |
| New Hampshire | $910 | -$352 | -27.9% |
| New Jersey | $1,408 | $146 | 11.6% |
| New Mexico | $1,114 | -$148 | -11.7% |
| New York | $1,328 | $66 | 5.2% |
| North Carolina | $726 | -$536 | -42.5% |
| North Dakota | $1,032 | -$230 | -18.2% |
| Ohio | $868 | -$394 | -31.2% |
| Oklahoma | $1,294 | $32 | 2.5% |
| Oregon | $1,154 | -$108 | -8.6% |
| Pennsylvania | $1,200 | -$62 | -4.9% |
| Rhode Island | $1,680 | $418 | 33.1% |
| South Carolina | $1,144 | -$118 | -9.4% |
| South Dakota | $1,064 | -$198 | -15.7% |
| Tennessee | $1,102 | -$160 | -12.7% |
| Texas | $1,518 | $256 | 20.3% |
| Utah | $934 | -$328 | -26.0% |
| Vermont | $862 | -$400 | -31.7% |
| Virginia | $754 | -$508 | -40.3% |
| Washington | $972 | -$290 | -23.0% |
| West Virginia | $1,154 | -$108 | -8.6% |
| Wisconsin | $870 | -$392 | -31.1% |
| Wyoming | $1,122 | -$140 | -11.1% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Lexus GS 350 | $1,232 | $103 |
| Lexus GS 350 AWD | $1,262 | $105 |
Rates assume 2017 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Lexus GS 350 | $312 | $598 | $384 | $1,430 |
| 2019 Lexus GS 350 | $300 | $564 | $388 | $1,388 |
| 2018 Lexus GS 350 | $288 | $506 | $390 | $1,320 |
| 2017 Lexus GS 350 | $270 | $466 | $390 | $1,262 |
| 2016 Lexus GS 350 | $260 | $436 | $394 | $1,226 |
Rates are averaged for all Lexus GS 350 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Lexus GS 350 Insurance
Finding better rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and attention to physical damage deductibles. Set aside time to compare rates every year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The points below are a condensed summary of the coverage data covered above.
- You may be able to save around $150 per year just by quoting early and online
- Increasing policy deductibles could save as much as $500 each year
- Drivers under the age of 20 pay the highest auto insurance prices, with the cost nearing $392 per month if the policy includes full coverage
- Higher risk drivers with multiple at-fault accidents could be charged and average of $1,470 more per year to insure a Lexus GS 350
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,708 |
| 20 | $2,898 |
| 30 | $1,314 |
| 40 | $1,262 |
| 50 | $1,152 |
| 60 | $1,130 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,582 |
| $250 | $1,434 |
| $500 | $1,262 |
| $1,000 | $1,092 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,262 |
| 50/100 | $1,340 |
| 100/300 | $1,438 |
| 250/500 | $1,691 |
| 100 CSL | $1,379 |
| 300 CSL | $1,594 |
| 500 CSL | $1,750 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,722 |
| 20 | $4,618 |
| 30 | $2,788 |
| 40 | $2,728 |
| 50 | $2,602 |
| 60 | $2,576 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $67 |
| Homeowner | $19 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $57 |
| Advance Quote | $62 |
| Online Quote | $90 |
| Total Discounts | $537 |
Discounts are estimated and may not be available from every company or in every state.
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